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Gilma Dinora
Gilma is from Los Zarzales, in the municipality of El Jicaral. She has lived there all her life. She studied primary school teaching because she likes teaching children to read and write. They are the future of Nicaragua.

She has been a primary school teacher for 22 years. This job has enabled her to provide for her family and raise her daughters by herself without the help of their father. As a result, she is a determined and enterprising woman who has got on in life thanks to her own efforts.

Through her work she found out about the people known as Kiva investors who finance loans via Ceprodel, in particular to people with scarce resources. This is her first loan request. She wants to improve her house by tiling it. She will buy the tiles and cement and pay for the labour in order to have better conditions in her home.
View original language description ↓
Doña Gilma es originaria de la comunidad Los zarzales del municipio de El Jicaral donde ha vivido toda su vida, estudió la carrera de Magisterio porque le satisface enseñar a leer y escribir a niños que son el futuro de Nicaragua.

Tiene 22 años de laborar como profesora de primaria, profesión que le ha permitido llevar el sustento de su hogar y sacar adelante sola a sus hijas sin la ayuda del padre, lo que le hace una mujer luchadora y emprendedora porque ha salido adelante con esfuerzo propio.

Por medio de su trabajo se dio cuenta que existen unos inversionistas llamado Kiva que financia crédito a través de Ceprodel a personas sobre todo de escasos recursos y solicitó por primera vez un financiamiento para mejorar su vivienda con el cual quiere ponerle cerámica, comprar el cemento y pagar la mano de obra para tener mejores condiciones en su hogar.

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Gilma Dinora to buy tiles and cement and pay for labour.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 30, 2013
Feb 15, 2013
Currency Exchange Loss:
Mar 18, 2014